Bank of America fee schedule overview in Pearland, TX (2026)

By Pablo Diaz · I left BoA after years as a customer. Read the full story →

If you are auditing your business banking costs in Pearland, BoA's fee picture comes in three parts: the published schedule, the realistic waiver thresholds, and the regulator record. This page covers all three, sources cited.

Fee schedule overview

BoA's main small business fee categories: monthly maintenance ($16/mo Business Advantage Fundamentals, waived with $5,000 avg balance), wire transfers ($30 domestic / $45 international), out-of-network ATMs ($2.50 + third-party fee), overdraft fees (subject to CFPB 2023 enforcement on stacking practices), foreign transactions (~3% on most cards), and per-product minimum balance fees on relationship products. Each is on BoA's published fee disclosure page. The CFPB consumer complaint database has tens of thousands of fee-related complaints filed against Bank of America for additional public-record context. Source-of-truth fee schedule: https://www.bankofamerica.com/smallbusiness/business-financing/checking-accounts/

Pearland context

In Pearland, TX, the relevant comparison for BoA's fee schedule is what software-driven alternatives charge for the same use case. The schedule below is one half of that comparison.

Public regulator record on BoA fees

• CFPB 2023 enforcement order — $250M total — junk fees, double-charged overdraft fees, withheld credit-card rewards, fake accounts.
• CFPB Consumer Complaint Database — Bank of America — public, searchable, tens of thousands of complaints (a large share fee-related).
• BoA business checking fee disclosure — source-of-truth for current published rates. Verify before acting.

If you want to dispute a BoA fee in Pearland

1. Pull the statement showing the fee. Screenshot it.
2. Compare against BoA's published fee schedule. If it does not match, document the discrepancy.
3. Request a written explanation through BoA secure message. Save the response.
4. If the explanation is unsatisfactory, file a CFPB complaint at consumerfinance.gov/complaint with the documentation. Free, public, and tends to get a documented response.
5. For overdraft-fee disputes specifically: reference the CFPB 2023 order in your complaint if your situation matches the practices it cited.

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